Вы находитесь на странице: 1из 4

Pricing Information & Cardholder Agreement

PenFed Premium Travel Rewards

American Express
APR for Purchases
APR for Cash Advances
APR for Balance Transfers
Penalty APR
Annual Fee
Minimum Interest Charge
Foreign Transaction Fee
Grace Period
Balance Computation method
Cash Advance Fee
Late Payment Fee
If your balance is less than $1,000
If your balance is $1,000-$2,000
If your balance is greater than $2,000
Over-the-limit Fee
Balance Transfer Fee
Returned Payment Fee
Required Fees-other

Prime plus 6.74% - 14.74%*
Prime plus 6.74% - 14.74%*
Prime plus 6.74% - 14.74%*
At least 25 days
Average daily balance,
including new purchases
Up to $10.00
Up to $20.00
Up to $25.00
3% per transaction
Up to $25.00

*Rates are based on an evaluation of applicant credit. Your actual APR will be
disclosed at the time of credit approval. Not all applicants will qualify for the lowest

IMPORTANT: PLEASE Read and Retain for your records

Penfed premium travel rewards American express card

Cardholder Agreement and Disclosure Statement
Definitions. The Card means the Pentagon Federal
Credit Union (PenFed) American Express credit card which
we issue to you under this Agreement, and includes any device or check used to obtain credit or cash from the account.
An Authorized User is an individual receiving a Card, but
who has no responsibility for payment of the Account. The
words you, your and cardmember mean each person,
jointly and individually who holds, signs, retains, uses, or
permits others to use or sign a card. The words our, we
and us mean PenFed or any of its assignees. Unless otherwise stated, Account means your Card account with us.
1. Agreement. We agree to extend credit to you and
advance amounts up to your credit limit, but transaction
limits may apply. Your credit limit is not increased by any
credit balance you may have on your account. You will sign
the back of the Card as soon as you receive it. You agree to
pay us for credit extended for the use of the Card by you
or any other cardmember, along with all applicable finance
charges, fees and insurance, if any apply. By signing, using or permitting others to use the Card, you agree to the
terms and conditions contained in this Agreement, on the
Card, on any charge slip resulting from authorized use of
the Card, on any authorized cash advance slip, and to accept
responsibility for all actions taken with the Card.
2. Credit Limit. You agree to use the Card within the
credit limit we authorize. You also agree that we can change
your credit limit at any time. We are not obligated to accept charges that would cause you to exceed your authorized
credit limit. Any extension of credit to you, made or honored by us, shall be at such times and in such amounts and
for such purposes as to conform to this Agreement, and only
when there is no default.
3. Change in Terms. You agree that the terms of this
Agreement are applicable to any cardmember. You also
agree that we can change the terms of this Agreement at any
time by adding, deleting, or modifying any provision of the
Agreement. Termination of the account by you or PenFed
will not affect your obligation to pay the Account balance
plus any finance charge and other charges you owe under
this Agreement. You are responsible for all transactions
made to your account after termination, unless the transactions were unauthorized. Should you choose to cancel your
Account, the terms in effect at the time that you cancel the
Account will apply until the outstanding balance of the Account is paid in full, unless you are in default. Your card
will no longer be available for use for new transactions,
including purchases, as the Account will be closed (if it is
not already closed). Any rewards points or miles you have
earned will be forfeited unless they are redeemed before the
Account is closed. If you do not notify us of your decision
to terminate the account by the date stated in any notice we
provide, or if you notify us but then use the Account after
the date stated in the notice, you will be deemed to accept
all changes to the Accounts terms and conditions of this
Agreement. If you are in default because your payment has
not been received within 60 days of the due date, you do not
have the right to reject the changes we make to this Agreement or the Accounts terms and conditions.
4. Financial Condition Change. You agree to advise us of any change in your financial condition that may
affect your creditworthiness and to provide us with a current loan application whenever we request one. You expressly authorize any person, partnership, association, firm, corporation or consumer reporting agency, upon our request,
to furnish us with information concerning you relevant to

the review and evaluation of this Account. You understand

and agree that we may terminate your account upon reevaluation of your creditworthiness.
5. Finance Charges. WILL BE IMPOSED IN THE
(a) PURCHASES: (1) No finance charge will be imposed
during the next billing cycle (defined as the time interval
between regular monthly billing statement dates) if you pay
the entire new balance shown on the current periodic statement and we receive your payment on or before the payment
due date shown on the statement. (2) In all other cases, a
finance charge will be imposed based on the average daily
balance of all purchases and debit adjustments, hereafter
referred to as purchases. The average daily balance is the
sum of all outstanding purchases, which is determined by
including new purchases and deducting payments or credits
and excluding any unpaid finance charge for your Account
on each day of the billing cycle divided by the number of
days in the billing cycle. A purchase appearing on the periodic statement is considered a part of the outstanding balance from the date of posting. (3) The amount of the finance
charge is calculated by multiplying the average daily balance
for purchases by the monthly periodic rate. The monthly
periodic rate is the yearly interest rate divided by 12.
(b) CASH ADVANCES: (1) Finance charges accrue on all
cash advance amounts from the date charged to your Account and continue so long as such amounts remain outstanding. (2) A finance charge will be imposed on the average daily balance of cash advances, which is the sum of the
cash advances (determined by including new cash advances
and deducting any payments or credits and excluding any
unpaid finance charge) outstanding each day during the
billing cycle, divided by the number of days in the billing
cycle. A cash advance appearing on the periodic statement is
considered a part of the outstanding balance from the date
of posting. (3) The amount of finance charge is calculated by
multiplying the average daily balance for cash advances by
the monthly periodic rate.
6. Payments. A payment delivered by regular U.S. mail
must be sent to the address indicated on your periodic statement. Your payment by mail must be a check or money order
in U.S. dollars with your account number on the check or
money order and drawn on a U.S. financial institution, and
be accompanied by the payment voucher from your statement. Write your account number on your check or money
order. All such payments will be posted to your account as
of the date we receive them provided we receive them before
5:00 PM at the address indicated on your periodic statement.
Payments received at other locations or not conforming to
these procedures may be delayed in posting, but not more
than 5 business days from the date of receipt. PenFed,
in its sole discretion, may accept a check for payment on
your Account even though payment was made before the
date of the check or a check which has a date more than 6
months old. For the first six months all payments received
from PenFed members who have held membership for six
months or less will be credited to your Account as of the date
we receive them, but credit in the amount of the payment
will not be available to you for 10 calendar days. Payments
made electronically through our automated telephone service, member service representatives, or our website will be
subject to any processing times disclosed with those payments. Your minimum payment due is the greater of $15
or 2% of the new balance plus the past due amount, if any,
and/or all amounts in excess of the authorized credit line/

limit shown on the periodic statement. If the new balance

does not exceed $15, only the new balance total is due and is
shown as the minimum payment due. All past due or over
limit amounts are due and must be fully paid immediately
upon notification. You may, however, pay the total amount
due, which is shown as the new balance, or you may pay any
additional amount you wish over the minimum payment
due. If your payment is not honored or we must return it
to you because it could not be processed, a charge may be
made to your account in the amount indicated for returned
payment on Pentagon Federals current Schedule of Service
Fees brochure. In addition, for the 6 months following any
such dishonored payment, any payments you make will be
credited to your account as of the date we receive them, but
credit in the amount of the payment will not be available
to you for 10 calendar days. You understand and agree that
payments will be applied first to the card balance bearing
the highest rate of interest, then to each successive balance
bearing the next highest rate of interest until the payment
is exhausted. You understand and agree that payments
will be applied in the following order: (1) late payment
fee; (2) finance charge; (3) annual membership fee (if any);
(4) paper statement fee (if any); (5) credit life fee (if any);
(6) previous balance cash advances; (7) previous balance
purchases; (8) new cash advances; and (9) new purchases.
7. Default. You will be in default if you fail to make any
payment on time, if you exceed the credit limit established
for the Account, if you become insolvent or file bankruptcy,
if you become incompetent or die, if a judgment or garnishment should be issued against any of your property
including any of your Accounts with us, if we in good faith
consider our or your obligations or your ability to repay or
perform your obligations with us unsafe or insecure, if this
Account or any other account at PenFed is maintained by
you in a manner that PenFed, in its sole discretion, deems
contrary to sound financial practice, or if you fail to live up
to any of your other agreements with us, to include any PenFed policy or procedure. Subject to law, if you default on this
Agreement, we can, without giving anyone notice, demand
immediate payment of the remaining balance due including but not limited to any unpaid finance charges, late fees
and any other charges due under this Agreement. You also
agree our obligation for further credit extensions shall immediately end and we may terminate your Account without
further notice to you. We can do this if you make any false
or misleading statements on your requests for an advance, if
you die, file for bankruptcy or if any other creditor tries to
seize your property. If your required minimum payment has
not been received within 60 days of the due date, any balance, including a balance transfer with a promotional rate,
will increase to the Penalty Annual Percentage Rate (Penalty APR). See Section 10 below for details of the Penalty
APR. If collection is necessary, you agree to pay all costs of
collection, including attorneys fees and court costs, in an
amount not more than 25 percent of the balance due.
8. Late Payment Fees. You will pay a late payment fee
if the Minimum Payment Due is received 10 or more days
past the due date.
9. Variable Rates One or more APRs that apply to your
account may vary with changes to the Prime Rate, which
means your rate can increase. We calculate the APR by adding
a margin to the Prime Rate published in The Wall Street Journal. If The Wall Street Journal stops publishing the Prime Rate,
we will select a similar reference rate and inform you on your
billing statement or through a separate notice. The Prime
Rate is the highest (U.S.) Prime Rate published in the Money

IMPORTANT: PLEASE Read and Retain for your records

IMPORTANT: PLEASE Read and Retain for your records

Rates section of The Wall Street Journal. A margin is the percentage we add to the Prime Rate to calculate the APR. On the
first Tuesday of the first full week of each month, we determine
what the Prime Rate is as published in the Wall Street Journal.
We then add a margin as set forth in the Summary of Terms
issued with your card to the Prime Rate to get the APR for the
following month. If the APR increases, you will have to pay a
higher periodic finance charge and may have to make a higher
minimum payment.
10. Penalty Annual Percentage Rate. If your required minimum payment is not received within 60 days of
the due date, your Account is subject to change to a Penalty
APR. The Penalty APR will remain in place until you make
three consecutive payments on or before the date that each
payment is due. In addition, your balance transfer rate for
any outstanding balance transfer amounts will increase to
the Penalty APR. After three consecutive months of on-time
payments, the rates will be reduced to the rates that applied
prior to the increase, unless the temporary promotional rate
has expired or the index for the variable rate has changed.
11. Promotional Annual Percentage Rate. At
our option a special promotional rate may be offered from
time to time. The specific terms will be provided at the time
of the offer. Generally, the promotional APR will only apply to select transactions (i.e. purchases or balance transfers) during the promotional period. The APR rates for all
other transactions, not outlined in the promotion as eligible
for the promotional APR, will remain unchanged. If your
required minimum payment is not received within 60 days
of the due date, any promotional APR and the periodic rate
for purchases, cash advances, and balance transfers will increase to the Penalty APR until 3 consecutive payments are
made on time.
12. Account Closure. You or anyone jointly liable
for the Account may terminate the Account at any time
by notifying us orally or in writing. However, this will not
relieve you or any of the other joint owners from liability
for the repayment of any obligations arising from the use
of the Account. Upon receipt of your notice, we may close
your Account or suspend your account privileges at any
time without prior notice. You must return all of the Cards
to us upon request.
13. Third Party Disclosure. We may disclose information to third parties about your account in order to advise third parties, such as American Express Travel Related
Services Company, Inc., American Express Global Network
Services, credit reporting agencies or merchants of the existence or condition of your Account, to evaluate your current
credit worthiness or as otherwise provided by law.
14. To protect us if you are in default on any credit extended or cash advanced under this account, you pledge all of
your shares, deposits, payments and dividends which may
be received, whether held jointly or individually, up to the
amount of your outstanding balance. The foregoing pledge
includes the right to apply funds available to you in any
jointly held account on your date of death. This does not
include your individual retirement account (IRA). We may
take all the shares needed by us to repay your credit extension or cash advance. If it is necessary to take all of your
shares for the payment of this account, you understand your
membership in PenFed may end. Collateral securing other
loans with the credit union may also secure this loan.
15. Card Dishonor. If a merchant refuses the Card, we
will not have any liability or responsibility. No cash refund
will be made to or accepted by you with respect to any adjustment for goods or services purchased. All adjustments
will be made by credit to your PenFed account by a properly
executed credit voucher issued by the merchant.
16. Illegal Card Use. You agree that illegal use of your

Card by card-holders(s) will be deemed an action of default

and/or breach of contract and your account and other related services may be terminated at our discretion. You
further agree, should illegal use occur, to waive any right
to sue PenFed for such illegal use or any activity directly or
indirectly related to it. You also agree to indemnify and hold
PenFed harmless from any suits or other legal action or liability, directly or indirectly, resulting from such illegal use.
17. Authorized User. You may request us to issue a
Card to an individual who has no financial responsibility
under this Agreement. An Authorized User has the same
access to your Account as you do, subject to any limitations
we may impose. An Authorized User has no authority to
add or delete Cardholders, request a replacement Card or
terminate or modify this Agreement. You may terminate
an Authorized Users authority to access your Account at
any time. To do this, you must return the Card to PenFed.
You agree that you are responsible for all charges and cash
advances made by an Authorized User, including charges
made before the Card is returned, recurring charges, or
charges made without the use of the Card initiated by the
Authorized User after termination of the Authorized Users
18. Lien. You hereby appoint PenFed as your agent under a special power of attorney as well as give your express
consent to enable us to charge against any balance in any of
your accounts, including accounts on which you are a joint
owner, to include any otherwise statutorily protected funds
that may not otherwise be available by legal process, to pay
any indebtedness or other outstanding financial obligation
owed by you or any person who is listed as a joint owner
on your accounts, including a deceased joint owner. This
does not include your IRA or any other account for which
this provision is not permitted. We may take such action
without further notice to you or any joint owner. In regard
to those funds that have a statutory protection, you understand that you may withdraw the special power of attorney
and consent for PenFed to apply such funds to pay any such
indebtedness by notifying us in writing. If your agency appointment or consent is withdrawn, PenFed may in its sole
discretion terminate any and all services that you have with
the credit union.
19. Issuance/Use of Card. Upon receipt of the
Card(s) you and all other cardholders agree that you will
sign the signature panel on the back of the Card(s). The Card
remains the property of Pentagon Federal Credit Union
and may be revoked without notice at any time. The Card
must be surrendered to us upon demand or revocation. If
we employ an agent to obtain the Card your Account will be
charged with any related fees. No expired, revoked or otherwise invalid Card shall be used to obtain or attempt to obtain credit. You will remain responsible to pay the amount
you owe us according to the terms of this Agreement. Cancellation of the Account will also terminate any other products or services offered in conjunction with it. However, recurring charges from a third party vendor/merchant will be
charged to your Account, even though you have requested
cancellation. You must cancel the recurring charge with the
third party merchant/vendor.
20. Issuance/Use of Checks. If we issue you checks,
these checks are treated as cash advances when they are
used and presented for payment. We may refuse to issue or
reissue and may also terminate, limit or modify the use of
the checks without notice to you, and you agree to surrender
the checks upon our demand or upon learning of our cancellation or withdrawal of the checks. Use of checks or other
methods of access for kiting or similar activity is an action
of default. The checks at all times remain the property of
PenFed and we may repossess them without the use of court
process. All of the terms and conditions of this Agreement
apply to the use of the checks. Only check blanks and other
methods authorized by PenFed now and in the future may

be used to obtain funds from your Account. If so authorized

by PenFed, your use of a personal identification number
(PIN) for such purpose shall constitute your signature.
Paid checks become our property and will not be returned
to you. Copies may be provided, if requested for a nominal
fee for each item. Should we decline to pay any check, or
if you instruct us not to pay a check, PenFed shall not be
liable, except for gross negligence, for any action it takes regarding payment or nonpayment of a check. If we decline to
pay a check, a charge may be made to your account in the
amount indicated on our current Schedule of Service Fees
brochure, which is available at any branch office, on request,
or at PenFed.org. You will not date any check later than the
date that you write it. If you do and the check is presented for
payment before its date, PenFed, in its sole discretion may
return it unpaid, or pay it. If we pay it, we will charge the Account. PenFed may, in its sole discretion, pay a check which
has a date more than six months old.
21. Annual Fee. You may be required to pay a nonrefundable annual fee for each Account you have with
us for which a Card is issued. You will pay only one annual fee, even if more than one Card is issued for your
Account. The fee will be charged annually to your Account. This charge will appear on your periodic statement for the billing cycle when it first becomes effective.
22. Foreign Transactions. Purchases and cash
advances made in foreign currencies will be debited from
your account in U.S. dollars. The exchange rate between
the transaction currency and the billing currency used for
processing international transactions is either a wholesale
market rate or the government mandated rate in effect one
day prior to the date processed by American Express and
may include an international transaction fee.
23. Credit Insurance Plan. Your purchase of the
Credit Insurance Plan (Plan) is optional. Whether or not
you purchase this protection will not affect your application
for credit or the terms of any existing credit agreement you
have with PenFed. If you do purchase Credit Insurance you
may cancel it at any time by notifying us in writing. You
understand that you may rescind this plan within 30 days
after the date your Credit Insurance becomes effective. If
you rescind, any premiums you have already paid will be
credited to your account. We can terminate this Agreement
by giving you notice at least 30 days in advance of the termination. The premium, method of calculation and assessment
are subject to change. If these terms change we will provide
written notice before the change goes into effect. Premiums
will accrue on a daily basis and will be billed to your account monthly. Complete details of this optional Credit
Insurance are included in The Credit Insurance Plan Program Agreement which you will receive upon enrollment.
24. Travel Accident Insurance. We agree to
provide you with Travel Accident Insurance at no direct
cost to you. You, your spouse and unmarried dependent
children will be automatically insured against accidental
bodily injuries or death while riding in any aircraft or land
or water conveyance operated by a common carrier licensed to carry passengers for hire provided the full travel
fare(s) has been charged to your Account. Death benefits
will be paid to the estate of the insured; all other benefits
will be paid to the insured. This insurance is subject to cancellation without prior notice. You understand and agree
that the Certificate of Insurance controls all insurance
terms and conditions to the exclusion of any statements
made in this Agreement regarding limitations, exclusions,
and claims procedures.
25. Assignability of Account. You agree that PenFed may at any time sell, transfer or assign your account.
26. Lost/Stolen Card. You are responsible for the possession and use of the Card and must maintain the confi-

IMPORTANT: PLEASE Read and Retain for your records

IMPORTANT: PLEASE Read and Retain for your records

dentiality of the PIN we may assign you. You will notify us

at once if you believe your Card has been lost or stolen, or if
you have reason to believe the Card is being used without
your permission. You may notify us by calling 1-800-7328268 OR 1-541-225-6790 from overseas, or by writing to us
at PenFed Card Services, Box 456, Alexandria, VA 223130456.
27. Liability for Unauthorized Use. If your
statement has an error or a charge you did not authorize,
you must tell us in writing within 60 days after you get
that statement. You must follow all instructions on that
statement. If we find no error after investigation, you owe
us the original amount plus applicable interest and fees.
You are liable for all authorized use of any Card issued
under the Agreement regardless of the credit limit or the
party using it. You agree to notify us immediately using the
contact information listed in Lost/Stolen Card, above) if
you suspect unauthorized use of the Card, and to cooperate
with us in the recovery of any amounts advanced based on
unauthorized use. You will not be liable for any unauthorized use of the card.
28. Statements. We will bill you monthly, on a date selected by us, for amounts due under this Agreement. If you
elect to receive your credit card statement electronically,
you will receive an e-mail alerting you when your statement is ready to be viewed online and you will avoid paying
a fee for paper statements mailed to you. Failure to receive a
monthly statement or electronic statement notification does
not relieve you from making any required minimum payment. Upon receipt of each periodic statement, you should
examine it and immediately notify us in writing of any
transaction you believe to be in error. If your Account is a
joint account, we can send statements and notices to either
of you. You agree to notify us promptly of any change in
your name, address, or e-mail address.
29. Payment Skip Option. At our option, we may
provide for a payment skip option, which means that you
may be allowed to skip making the minimum periodic payment for specified billing cycles. If you accept this payment
skip option, we will continue to apply the finance charge as
disclosed above, but no late payment fees will apply to the
skipped payment. For the billing cycle following a skipped
payment, all the terms and conditions of this Agreement
(including minimum periodic payment and applicable late
payment fees) will continue to apply.
30. Other Agreements. All the terms and conditions of any other agreement between us and you and/or
any other institution that is part of a network of automated
teller machines (ATMs) in which we participate, and any
applicable rules and regulations, also apply to use of the
Card. There may be minimum and/or maximum limits on
the amount of a cash advance dispensed from electronic

terminals which accept the Card. All of the transactions

made by electronic means are subject to verification by us,
and any checks or other items deposited for collection may
be deemed to be received and any other transaction may be
deemed to occur on our next business day. You understand
that transactions may be limited in some areas. You agree
that we do not waive our rights under this Agreement if we
fail to assert them. The Agreement binds and benefits us and
our successors and assigns and binds you, your estate and
your personal representatives.
31. Applicable Law. This Agreement and your Card
and Additional Cards, and all questions about their legality,
enforceability and interpretation, are governed by the laws
of the Commonwealth of Virginia, USA.
YOUR BILLING RIGHTS (Keep this notice for future use.)
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
What To Do If You Find A Mistake On Your
Statement. If you think there is an error on your statement, write to us at: Card Services, Pentagon Federal
Credit Union, Box 456, Alexandria, VA 22313-0456. You
may also contact us on the Web via our Secure Online Message Center at: PenFed.org
In your letter give us the following information:
Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of problem: If you think there is an error on
your bill, describe what you believe is wrong and why you
believe it is a mistake.
You must contact us:
Within 60 days after the error appeared on your statement.
At least 3 business days before an automated payment is
scheduled, if you want to stop payment on the amount
you think is wrong.
You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required
to investigate any potential errors and you may have to pay
the amount in question.
What Will Happen After We Receive Your Letter. When we receive your letter, we must do two things:
1. Within 30 days of receiving your letter, we must tell you
that we received your letter. We will also tell you if we have
already corrected the error.
2. Within 90 days of receiving your letter, we must either
correct the error or explain to you why we believe the bill
is correct.
While we investigate whether or not there has been an error:
We cannot try to collect the amount in question, or report
you as delinquent on that amount.
The charge in question may remain on your statement,
and we may continue to charge you interest on that

While you do not have to pay the amount in question,
you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit
After we finish our investigation, one of two things will
If we made a mistake: You will not have to pay the amount
in question or any interest or other fees related to that
If we do not believe there was a mistake: You will have to
pay the amount in question, along with applicable interest
and fees. We will send you a statement of the amount you
owe and the date payment is due. We may then report you
as delinquent if you do not pay the amount we think you
If you receive our explanation but still believe your bill is
wrong, you must write to us within 10 days telling us that
you still refuse to pay. If you do so, we cannot report you as
delinquent without also reporting that you are questioning
your bill. We must tell you the name of anyone to whom we
reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
If we do not follow all the rules above, you do not have to
pay the first $50 of the amount you question even if your
bill is correct.
Your Rights If You Are Dissatisfied With
Your Credit Card Purchases. If you dissatisfied
with the goods or services that you have purchased with
your credit card and you have tried in good faith to correct
the problem with the merchant, you may have the right not
to pay the remaining amount due on the purchase.
To use this right, all of the following must be true:
1. The purchase must have been made in your home state
or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note:
Neither of these is necessary if your purchase was based
on an advertisement we mailed to you, or if we own the
company that sold you the goods or services.)
2. You must have used your credit card for the purchase.
Purchases made with cash advances from an ATM or
with a check that accesses your credit card account do
not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at: Card Services, Pentagon Federal Credit Union, Box
456, Alexandria, VA 22313-0456, or online at PenFed.org.
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think
you owe an amount and you do not pay, we may report you
as delinquent.

Information about this card is accurate as of March 2015

but may have changed since then. To find out what may
have changed, please go to PenFed.org or call 800-2475626.

AMEX Form 1218 RAP Web 03/15

IMPORTANT: PLEASE Read and Retain for your records